At your request prior to dividend payment
time, you can conveniently increase your Southwest Georgia Financial
Corporation holdings at no cost by automatically reinvesting your dividends
in additional shares of Southwest Georgia Financial Corporation stock
through American Stock Transfer & Trust Company.
Even if your dividend is not enough to buy a whole share of
Southwest Georgia Financial Corporation stock, you will be
credited with a fractional share computed to three decimal
places. Fractional shares start earning dividends toward the
next dividend payment the same way full shares do.
|
| No Administration Fees Or Broker
Fees |
| You will save on broker commissions. Since
there is no extra charge to you for commissions or trust service charges
for purchases, the entire dollar amount of your dividend will be invested.
All costs are paid by Southwest Georgia Financial Corporation when shares
or fractions of shares are purchased through the Plan. |
| Voluntary Cash Investments |
| Under the Plan, you have the option of adding to your investment with
voluntary cash payments. After your first dividend has been invested,
you can send amounts from $5 to $5,000 per month. Payments can be made
at any time, as often as you like. |
| Simplified Record Keeping |
| You will receive a detailed statement showing your total dividend received,
the number of shares purchased, and total shares held in the Plan after
each investment. |
| Administrator |
The Plan is administered by American Stock Transfer & Trust
Company, Transfer Agent for Southwest Georgia Financial Corporation.
Once you have enrolled in the Plan, you do not need to take any further
action unless you opt to send additional voluntary cash investments.
American Stock Transfer & Trust Company will handle the details
of each transaction.
|
| How To Participate |
If you wish to reinvest your dividends automatically or make additional
cash investments in Southwest Georgia Financial Corporation stock,
simply complete the enclosed enrollment card and mail it to American
Stock Transfer & Trust Company. Send all communications to the
following address:
American Stock Transfer & Trust Company
40 Wall Street
New York, NY 10005
(Telephone: 1-800-278-4353)
Please print this brochure for your records. If you join the
Plan now, you may find it a handy reference whenever you have questions.
All correspondence for or questions about the Plan should be sent
to American Stock Transfer & Trust Company at the above address
and should include a reference to Southwest Georgia Financial Corporation. |
| Additional Services |
| If you wish, American Stock Transfer & Trust Company will hold
for safekeeping any Southwest Georgia Financial Corporation stock certificates
that you may already have, by depositing them into your Plan account.
If you are interested, please write to or call American Stock Transfer & Trust
Company for details. There is no charge for such deposit, and by making
such deposit, you will be relieved of the responsibility of loss, theft
or destruction of the stock certificate.
Because you bear the risk of loss in sending Common Stock certificates
to American Stock Transfer & Trust Company, it is recommended
that certificates be sent by registered mail, return receipt
requested, and properly insured. Certificates should not be endorsed,
but must be accompanied by written instructions directing American
Stock Transfer & Trust Company to hold the certificates for
you. Whenever certificates are issued to you, either upon request
or upon termination of participation, differently numbered certificates
will be transmitted to you.
|
| Termination |
| No permanent commitment is required. You may withdraw full shares from
your account at any time, and you can terminate your participation in
the Plan by writing to American Stock Transfer & Trust Company. If
you terminate, stock certificates will be issued in your name; if you
so direct, your shares will be sold for you at the current market price,
and the proceeds will be sent to you after deducting any applicable service
charge and a brokerage commission. At the time of termination, any fractional
shares will be converted to cash based upon the current market price.
A check for the proceeds will be sent to you. |
|
|
